DTRIC Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified current published guidance indicates DTRIC is no longer a growth market for new Home business. The carrier states it is transitioning to a run-off insurance company and will no longer issue new policies, while continuing to administer active policies and claims. Operationally, this means no new homeowners submissions should be targeted to DTRIC at this time. Historical/public-facing product positioning still shows Homeowners as a personal-lines offering alongside auto, renters, and umbrella, but there is no current official underwriting appetite, risk appetite guide, or producer submission guide for new Home business on the public site. Geographic scope remains Hawaii-only; DTRIC states it only serves Hawaii. Preferred business cannot be positively verified beyond Hawaii personal-lines orientation because the company has announced run-off status. Restricted/declined business: treat all new home submissions as effectively unavailable/not being written due to run-off status; no detailed class-level decline list, CAT/coastal restrictions, occupancy guidance, age-of-home rules, or protection-class criteria were found on verified public official pages. Submission requirements: no public broker/appetite submission instructions for new Home business were located; the site routes customers to independent agents and provides agent lookup, policy service, and claims resources rather than new-business underwriting guidance. Broker/producer notes: use the Find an Agent resource for existing channel relationships, but do not rely on DTRIC for new Home placements unless you obtain separate, current off-site confirmation from an appointed representative. For in-force accounts, policyholder service and change-request tools remain active on the website.